There is no thirty percent off interest rate on mortgage loans in Ji'nan, and the lowest is ten percent off.
source: Qilu Evening News
"bank mortgage down, can you get thirty percent off discount?" the interest rate reduction, the central bank also adjusted the lower limit of the loan interest rate range of financial institutions to 0.7 times the benchmark interest rate. Many people who plan to borrow money to buy a house are looking forward to it.
in July 6th, the reporter learned from a number of banks in Ji'nan, Shandong, that at present, the state-owned banks, such as industry, agriculture, China, construction and other state-owned banks, and CITIC, Everbright Bank and other shareholding banks, the first set of housing loans can be hit ten percent off, however, the specific range of concessions must be based on the situation of the loan customers.
for the recent 15% off housing loans in Beijing, Shanghai and other places, there is no bank in Ji'nan market for the time being. It is more difficult to find the thirty percent off concessions in the rumors. A joint-stock bank credit person said, "the mortgage hit 15% off, the bank basically no profit can be made; thirty percent off of the words is to lose money to do, at the current rate of interest, thirty percent off interest rates in the short term."
however, it is obvious that the housing market is getting warmer. "Since the last rate cut, the number of clients who came to consult and handle mortgage loans has increased significantly." Mr. Liu, a client manager of a state-owned bank in Ji'nan, said.
for loans to buy houses, after the continuous interest rate cut, the repayment pressure of buyers is significantly reduced, which greatly stimulated their willingness to purchase. To 1 million yuan loan, 20 year repayment period calculation, the first set of housing loans to implement the benchmark interest rate, lower interest rates after less than 148 yuan per month, if the calculation of the two interest rate reduction, the buyer's monthly payment is reduced by 298 yuan. (Sang Haibo)